How Afterpay refunds work
When you return an Afterpay purchase, the refund goes back through Afterpay. Paid installments are refunded to your card, and future installments are canceled. The process can take 3–10 business days after the merchant processes the return. If you have a dispute with a merchant who will not accept a return, use the Afterpay Resolution Centre in the app before involving your bank.
Frequently asked questions
- Can I cancel an Afterpay payment plan?
- Not directly. You need to return the item to the merchant - once the refund is processed, Afterpay cancels remaining installments. Pay off plans early in the app (no penalty) to close individual orders.
- What happens if I miss an Afterpay payment?
- Afterpay charges a late fee (up to $8 per missed payment) and pauses your account. If unpaid, it can be sent to collections. Contact Afterpay immediately if you are struggling to pay.
- How do I close my Afterpay account?
- Pay off all active orders, then go to My Profile → Account → Deactivate Account in the app, or contact Afterpay support.